Blog posts

Preparing your mind for retirement

19 Mar 2015

Bruce and Marianne had planned for their retirement about five years before Bruce was ready to leave his job as a school principal. Many of their friends were either retired or facing retirement and provided the couple with good examples of both what to do and not do when it came to making the transition from a regular work life.

Planning for your beneficiaries

19 Mar 2015

Have you nominated your children as beneficiaries to your super fund account? If so, you may have inadvertently exposed their super inheritance to future legal proceedings.

Oil prices and Greece - how are they affecting investment markets?

19 Mar 2015

​Investment markets constantly provide many topics of interest to discuss. Here we comment on two themes that have been of recent interest: oil prices and the Greek renegotiation.

Building on the future of enhanced asset class investing

19 Mar 2015

In the September 2014 edition of The Edge we looked at the financial benefits that can be achieved from what is known as enhanced asset class investing.

Fringe benefits tax rate changes - are salary sacrifice arrangements still tax effective?

19 Mar 2015

Fringe benefits tax (FBT) year end is just around the corner and with that starting on 1 April 2015 the FBT rate increases from 47% to 49%.

Planning for retirement as a business owner

19 Mar 2015

As a small business owner it is important to have a retirement plan in place well before deciding to retire. This is because, in most cases, your major asset is your business. Planning ahead will ensure you have sufficient funds to maintain your lifestyle in retirement.

Low return or a negative return - what's your pick?

13 Feb 2015

Recently the Reserve Bank of Australia (RBA) cut interest rates to a historic low of 2.25%. This is great news for those who have mortgages, loans or other debt as interest charges are further reduced.

In search of the silver bullet

10 Feb 2015

One thing I find really intriguing is the concept that there are products available that can instantaneously provide us with gratification - "the things we want". What I find even more fascinating is that people actually believe these "silver bullets" exist.

You can't always get what you want...

10 Feb 2015

You can't always get what you want, but if you try sometime you might find you get what you need.

Pass or fail? Your financial health check

30 Jan 2015

​When was the last time you reviewed your financial position and asked yourself whether the plans you have in place are still appropriate given your current circumstances, or is there more you could be doing to get you where you want to be?

Faster or Smarter - what's your choice

30 Jan 2015

If you're anything like me you probably find that there are just not enough hours in the day to get everything done. You may find yourself getting up earlier, staying up later or burning the candle at both ends in a vain attempt to complete your "to do" list.

Three mistakes we make with debt

19 Dec 2014

In my previous article 'Time poor and too busy to save' we looked at the key challenges facing young people when it comes to shaping their financial future.  In this article I take a deeper look at one of today's major issues - debt.